CTC to In-Hand Salary Calculator
Your cost to company is not what reaches your bank account. This calculator breaks a CTC into basic pay, HRA, employer PF, gratuity and other allowances, then subtracts employee PF and professional tax to estimate monthly in-hand salary.
CTC to In-Hand Salary Calculator
How this calculator works
Basic = CTC × basic %. Employer PF = 12% of basic. Gratuity ≈ 4.81% of basic. In-hand = (CTC − employer PF − gratuity) ÷ 12 − employee PF − professional tax − income tax.
- Most companies set basic pay at 40%–50% of CTC — adjust the percentage to match your offer letter.
- Employer PF and gratuity are part of CTC but never reach your monthly account.
- Professional tax depends on your state and is usually up to ₹200 a month.
- Enter your estimated monthly TDS to see a realistic take-home figure.
Frequently asked questions
Why is my in-hand salary lower than CTC ÷ 12?
CTC includes employer contributions such as provident fund and gratuity, plus benefits like insurance. Those never appear in your monthly credit, and PF, professional tax and TDS are deducted on top.
Can I reduce PF deduction?
Employee PF at 12% of basic is mandatory for covered employees. Some employers allow contribution on the statutory wage ceiling instead of full basic, which slightly raises take-home.
Disclaimer: results are estimates for planning only. Interest rates, tax slabs and government charges change — confirm the final figure with your bank, employer or the official government portal before you act on it.